Call reports 2016
BAYBANK — 2016
What BAYBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 91,193,000 | 92,580,000 | 88,438,000 | 89,037,000 |
| Total loans | 50,641,000 | 51,668,000 | 51,739,000 | 52,874,000 |
| Allowance for loan losses | 830,000 | 558,000 | 544,000 | 575,000 |
| Securities available for sale | 31,971,000 | 31,818,000 | 30,185,000 | 27,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,337,000 | 83,453,000 | 79,062,000 | 79,913,000 |
| Interest-bearing deposits | 69,691,000 | 67,586,000 | 63,580,000 | 64,812,000 |
| Noninterest-bearing deposits | 12,646,000 | 15,867,000 | 15,482,000 | 15,101,000 |
| Equity capital | 8,333,000 | 8,577,000 | 8,816,000 | 8,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,716,000 | 2,621,000 | 3,521,000 |
| Interest expense | 85,000 | 170,000 | 252,000 | 329,000 |
| Net interest income | 739,000 | 1,546,000 | 2,369,000 | 3,192,000 |
| Noninterest income | 85,000 | 312,000 | 456,000 | 713,000 |
| Noninterest expense | 745,000 | 1,511,000 | 2,207,000 | 3,218,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 85,000 |
| Pretax income | 107,000 | 397,000 | 643,000 | 699,000 |
| Income tax | 8,000 | 76,000 | 96,000 | 46,000 |
| Net income | 99,000 | 321,000 | 547,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,953,000 | 8,124,000 | 8,386,000 | 8,302,000 |
| Total capital | 8,783,000 | 8,682,000 | 8,930,000 | 8,877,000 |
| Risk-weighted assets | 67,450,000 | 68,414,000 | 67,916,000 | 69,350,000 |